PMC Fincorp Intrinsic Value
PMCFIN Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹2.40 | ₹1.92 - ₹2.88 | +23.1% | EPS: ₹0.20, Sector P/E: 12x |
| Book Value Method | asset | ₹4.88 | ₹4.39 - ₹5.37 | +150.3% | Book Value/Share: ₹23.80, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹2.82 | ₹2.54 - ₹3.10 | +44.6% | Revenue/Share: ₹2.82, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹3.90 | ₹3.51 - ₹4.29 | +100.0% | EBITDA: ₹17.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹3.20 | ₹2.88 - ₹3.52 | +64.1% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹1.72 | ₹1.55 - ₹1.89 | -11.8% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹3.90 | ₹3.51 - ₹4.29 | +100.0% | ROE: 6.5%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹5.85 | ₹5.26 - ₹6.44 | +200.0% | EPS: ₹0.20, BVPS: ₹23.80 |
| Dividend Yield Method | dividend | ₹0.58 | ₹0.52 - ₹0.64 | -70.3% | DPS: ₹0.01, Target Yield: 4.0% |
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Valuation Comparison Chart
PMCFIN Intrinsic Value Analysis
What is the intrinsic value of PMCFIN?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of PMC Fincorp (PMCFIN) is ₹3.20 (median value). With the current market price of ₹1.95, this represents a +64.1% variance from our estimated fair value.
The valuation range spans from ₹0.58 to ₹5.85, indicating ₹0.58 - ₹5.85.
Is PMCFIN undervalued or overvalued?
Based on our multi-method analysis, PMC Fincorp (PMCFIN) appears to be trading below calculated value by approximately 64.1%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Debt to Equity Ratio | 1.30 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 6.5% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 83.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.09x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for PMC Fincorp
Additional stock information and data for PMCFIN
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-28 Cr | ₹-29 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹10 Cr | ₹10 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹-4 Cr | ₹-15 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-32 Cr | ₹-32 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹-3 Cr | ₹-3 Cr | Negative Cash Flow | 3/10 |